PRIVACY POLICY
1.    General
The Retirement and Investment Centre Pty Ltd collects and uses personal data as needed in order for us to provide you with products, services and support (collectively, "Services"). Your personal data includes information such as:
                  i.    Name
                 ii.    Address
                iii.    Phone number
                 iv.    Email address
                  v.    Other data that could directly or indirectly identify you
Our Privacy Policy explains the data we collect and how we use your personal data. It also describes how you can access, update or otherwise take control of the personal data that we have collected from you.
By using or accessing our Services, you acknowledge that we will collect, use, and share your information as described in this Privacy Policy. You may choose not to provide us with information, but your choice(s) may prevent you from using our Services or limit your use of certain features.
2.    Data Collected
The information we collect may be provided by you, collected automatically (e.g. from devices) and may be from other sources.
        A.    Information Provided by You: We store the information you provide us through our website. You provide information to us when you use our Services, including during sign up, making a purchase, leaving a review or                                  requesting customer support. Examples of information you provide include:
                 i.    Name
                 ii.    Email address
                 iii.    Payment method or financial account information
                 iv.    Billing address
                 v.    Phone number
                 vi.    Social network account credentials
         B.    Automatically Collected Information: We automatically receive and store information about how you use our Services and device used to access our Services (e.g. when you visit our site or install or use our app). Examples of information automatically collected include data about your interactions with the features, content and links contained in our Services, time of interaction, browser type and configuration, operating system used, IP address, language preferences and other cookie data. While none of this data will allow us to directly identify who you are, some of this data can be used to approximate your location.
         C.    Information from Devices: When you download or use apps created by us, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results and other personalised content. Most mobile devices allow you to turn off location services.
         D.    Information from Other Sources: We may receive supplementary data about you from third-party sources, such as public databases. We may combine this data with the information we already have about you to maintain the accuracy of our records and provide products and services that you may be interested in.
3.    Data Use
We collect, use and store your information to provide our Services, to fix and improve our Services, to develop new services and to market our products and services. Examples of how we use information include:
                  i.    Collecting payment
                 ii.    Communicating with you via email, text, push notifications or platform messaging (e.g. WhatsApp) about your account or activity or to market product listings, features or events
                iii.    Test changes in our Services and develop new features
                iv.    Analyse the use of our Services and personalise content
                 v.    Fix problems you may have with our Services or a transaction, including answering support questions and resolving disputes
                vi.    Prevent, detect, investigate and respond to fraud, unauthorised access or use of our Services, breaches of terms and policies or other wrongful behaviour
               vii.    Comply with any procedures, laws and regulations that apply to us, including those that set retention periods
We may aggregate the information we collect or de-identify information to limit or prevent identification of any particular user or device, which can help support our research and marketing efforts. This Privacy Policy does not apply to our use of such aggregated or de-identified information.
4.    Location of Data
By using our Services, you acknowledge that your information will be processed as described in this Privacy Policy. You consent to have your information transferred to our affiliates and facilities in Australia or elsewhere or to facilities of third parties with whom we share information as described in this Privacy Policy.
5.    Data Security and Retention
Accounts are protected by a password for your privacy and security. If you access your account via a third-party site or service, you may have additional or different sign-on protections via that third-party site or service. We recommend that you choose an appropriate password, safeguard your password and limit access to the devices on which you access your account.
We use reasonable organisational and technical measures intended to protect the privacy of your account and personal information we use or store, but the internet and our Services are not 100% secure. We cannot guarantee complete privacy or security for the information that you provide or that we collect.
We keep your information for the time period required to complete the purposes for which it is processed or to satisfy legal retention requirements. The length of time we retain information depends on the purposes for which we collect and use it or the requirements of applicable laws.
6.    Information Sharing
We do not rent, sell or otherwise share information except as described in this Privacy Policy. We share information only as described in this section.
         A.    Agents and Service Providers. We engage with and employ other companies and people to perform tasks on our behalf and need to share information with them so they can perform tasks and services. For example, we may use a payment processing company to receive and process your payment when you make a purchase using our Services or we may use a cloud services provider to store data.
         B.    Affiliates. We may share your information with other companies under common ownership or control of The Retirement and Investment Centre Pty Ltd. These companies use your information as described in this Privacy Policy.
         C.    Users. Information about users (purchasers) is shared in certain contexts. For example, when users complete a purchase using our Services, we may share information required to fulfil the purchase, such as address and phone number, with the distributor and its service provider(s). Information shared with distributors and their service providers are subject to their own policies.
         D.    Advertisers. We allow advertisers to choose the types of users who will see their advertisements or promotions based on demographic information. We might allow advertisers to display their ads to users with similar usage patterns or similar geographic locations. If an advertiser asks us to show an ad to a certain audience or audience segment and you respond to that ad, the advertiser may conclude that you fit the description of their target audience.
         E.    With Other Users. Any information you disclose through our Services, in blogs, on message boards, in chat rooms, or on other public areas through our Services or other third-party websites or apps that our Services may link to, becomes public information accessible to others. Please exercise caution when disclosing personal information in these public areas.
                 Certain user profile information may be displayed to other users to facilitate user interaction or address your request for our Services. This information may include your name, photo, location, purchase history, saved items, reviews you have written (including uploaded photos), and the list of people you follow or that follow you.
                 The content you upload to your public user profile, along with any personal information or content that you voluntarily disclose online in forums viewable by others (e.g. discussion boards, messages and chat areas) becomes publicly available and can be collected and used by anyone. Your username may also be displayed to other users if you send messages, comment or upload images or videos through our Services. Other users can contact you through messages and comments.
                 If you sign in to our Services through a third-party social networking site or service (e.g. Facebook), your list of contacts from that site or service may be automatically imported to our Services. Your contacts that are also registered users of our Services may be able to access certain non-public information you have entered in your  Services user profile. We do not control the policies and practices of other third-party sites or services.
         F.    Business Transfers. We may choose to buy or sell assets and may share or transfer user information in connection with the evaluation of entry into such transactions. User information may also be one of the assets transferred to or acquired by a third party in the event we or our assets are acquired or if we go out of business, enter bankruptcy or go through some other change of control.
         G.    Legal Requirements and Protection. We may access, read, preserve, and disclose any information that we believe is necessary to:
                  i.    Comply with the law or is court ordered
                 ii.    Enforce or apply our Terms of Use and other agreements
                iii.    Protect the rights, property, or safety of The Retirement and Investment Centre Pty Ltd, our employees, our users or others
         H.    Consent. We may share your information in other ways if you have asked us to do so or have given consent.
7.    Accessing, Updating and Deleting Data
If you make a request to delete your personal data, that request will be honoured only to the extent where the data is no longer needed for the Services you have purchased or requested, or when it is no longer required for our business, legal or contractual recordkeeping requirements.
8.    Cookies, Web Beacons and Similar Technologies
Cookies, web beacons and similar technologies are small files placed on the device you are browsing with (e.g. computer, tablet or mobile phone) that allow us to record information when you visit or interact with our website, applications and other tools.
Cookies allow our website to recognise that particular browser or device. We use cookies for:
                  i.    Authenticating you on our website so that we can provide the Services you requested
                 ii.    Keeping track of information, you have provided us (e.g. keeping items in your shopping cart)
                iii.    Remembering your website preferences
                iv.    Measuring your use of our website so we can improve them and tailor them to your interests
Web beacons notify us or our trusted third-party service providers when web pages, emails or ads have been viewed or interacted with.
Cookies, web beacons and similar technologies serve various purposes but are essential in allowing our website and Services to function properly. Without these technologies, we are not properly able to provide you with essential features such as secure areas and shopping carts. Accepting the use of these technologies is a condition of using our website, Services and other applications.
9.    Changes to Privacy Policy
We reserve the right to modify our Privacy Policy at any time. Please review this document from time to time so that you are aware of what information we collect and how we use it.
10.    Contact Us
If you have any questions or concerns regarding our Privacy Policy, please contact us at:
Email: hello@raic.com.au (please include “Privacy Policy” in the subject line)
Phone: 1800 218 700